Payments Product Lead

Role Details - This role will have responsibilities for the Debit Cards products propositions and new initiatives for maximizing revenue and optimizing cost. These will include but not limited to building best in class customer centric value propositions, working towards a seamless and customer friendly end-end onboarding experience, tracking product wise spends, activation, retention and attrition metrics and lead focused campaigns, build new use cases in partnerships with internal and external stakeholders. Develop Product Strategy to maximize spends and profitability of the various product suites, relevant to the demographic and spending profiles of all key customer segments. Use of big data and Artificial Intelligence to ideate and conceptualize targeted interventions and programs and focus and lead on not just shaping new products but also being obsessed about continuous product improvements

As a Lead Product Debit Card, we expect the following things from you :

Desired Experience-A minimum of 6+ years of solid product management experience (including P / L management) in consumer facing products preferably in card product management in leading consumer Banks.

Product Strategy – Ability to keep the customers first and to construct a product roadmap for both existing and new product launches, get buy-in from a larger team on the same and direct a team / s towards the common roadmap in a structured fashion

End to End delivery – from creating a PRDs & BRDs, with usage scenarios, user stories, feature specifications, making product and phasing design decisions, creating GTMs, for payments products, analyzing post launch metrics and continuous iteration, making trade-off decisions.

Data oriented approach – a keen eye for numbers and the ability to derive insights and product decisions-based numbers. Ability to handle ambiguous situations where limited information is available. Grasp on statistical techniques for experimentation and analysis is an added advantage.

• Stakeholder management – ability to work effectively across both internal and external industry leaders;

negotiate complex topics and resolve conflicts and lead various channels for delivery and experience.

Long term vision – Ability to construct a vision basis long term customer and business needs and strong oral / written communication skills to articulate the same in a compelling manner.

Partnerships- Source and Manage alliances (Merchants, Card networks, Fintechs to name a few) for the offerings to be made available on the Debit card product suite.

Understand the solutioning and internal system architecture and build user journeys (offline and digital) and product features for offerings with focus on solving pain points with detailed customer validation.

Manage Product marketing of the live product via Push, email & SMS and owned and paid media.

Working knowledge of SQL, databases (MS Access ) along with MS office for dayday analysis and tracking.

Work Experience Requirements

Person should have 7-15years of experience of Cards product management with a leading cards business / consumer bank & an understanding of competitive frameworks & regulatory guidelines Experience in payments products / card products are product manager with a bank, wallet company, NBFC, Payment processor, payment consultant, etc is a plus

Education -Essential requirement : Full time Masters Degree from Tier 1 B-School (Majoring in Finance / marketing / management / Business Administration)